✅ Unconditional Approval Granted for a Tricky Refinance!
We’re thrilled to announce unconditional approval for one of our more complex refinance clients, who we requested a policy exemption — all within just 13 days!
🧩 The challenge?
Our client was on unpaid leave from their regular PAYG role, temporarily working as a consultant on a major infrastructure project in another state, invoicing weekly. However, they did not have two years of self-employed financials — a typical requirement.
💡 Our strategy:
We worked with the lender to treat the situation like a parental leave scenario, demonstrating that the client:
Had sufficient savings to cover mortgage repayments and living expenses during the leave period,
Could service the loan for the next 3 months, and
Had a guaranteed return to PAYG employment at the end of the contract.
🛠️ Behind the scenes:
Before submission, we ran the scenario past the lender’s credit team to confirm it would be approvable with the right documents in place. This proactive approach paid off!
🎉 The result:
✅ Unconditional approval in just 13 days
🏡 $1,089,000 refinanced
📉 New interest rate: 5.49%
🙌 One very happy and relieved client!
If you’d like to chat to us about your unique situation we are here to help. 📅 Book a complimentary discovery call to discuss your current situation and future goals — no obligation, just a straightforward, honest knowledge-sharing session to help you now or in 3, 6, or 12 months’ time.
